Emirates NBD Business Loan

Minimum Salary
700,00 د.إ

Flat Rate
9.9%

Reducing Rate
15%

Maximum Term
48 Months

Monthly Payment
AED 44,000

Description

For SMEs and startups seeking fixed-rate, small-ticket financing, the Small Business Loan is ideal. For commercial property acquisition, the Office Loan offers long tenors and mixed fixed/variable rates. Vehicle & Equipment Loans support asset purchases up to AED 10 million, while POS Receivables Loans and the Merchant Loan provide working-capital tied to sales.

Features

Product Suite Overview

Facility Name	Purpose	Maximum Facility	Tenor	Collateral Requirement
Small Business Loan (Fixed Rate)	SME CAPEX, working capital	AED 300,000	12–36 months	Unsecured
Semi-Secured Business Loan	Higher-ticket SME needs with FD security	AED 5,000,000¹	12–60 months	Secured by Fixed Deposit
Office Loan	Commercial property purchase/refinance	AED 15,000,000²	Up to 180 months (15 years)	Mortgage lien on property
Business Vehicle & Equipment Loan	Purchase of vehicles, machinery, equipment	AED 10,000,000³	Up to 60 months	Asset pledge
Loan against POS Receivables	Working capital against card terminal sales	AED 1,000,000	Up to 48 months	Assignment of POS receivables
Merchant Loan	POI-based financing for merchants	AED 1,000,000⁴	Up to 48 months	Assignment of merchant receivables

¹ As per bank credit policy.
² Up to 60% of property value; minimum 40% downpayment.
³ Including insurance costs; 100% financing available.
⁴ Linked to daily POS volume; subject to merchant category.

Interest Rates & Charges
Small Business Loan (Key Facts Statement July 2025)

Fixed Interest:00%–18.00% p.a. (reducing balance).
APR:83% on AED 300,000 over 36 months.
Processing Fee:05% of loan amount (inclusive of VAT).
Early Settlement/Foreclosure:05% of outstanding principal (inclusive of VAT).
Late Payment: AED 105 per missed instalment (inclusive of VAT).

Semi-Secured Business Loan

Fixed or Variable:82%–10.50% p.a. (varies by FD tenor).
Processing Fee:05% of loan amount (min AED 525; max AED 10,500).
Early Settlement:05% of outstanding (inclusive of VAT).
Late Payment Fee: AED 105 (inclusive of VAT).

Office Loan (Fixed & Variable Interest)

Fixed-Introductory:73%–9.99% p.a. for 2/3/5 years.
Variable Portion: EIBOR + margin (e.g., 2.14% margin).
Processing Fee:05% of loan amount or AED 10,500 (inclusive of VAT).
Early Settlement:05% of outstanding or AED 10,500 (inclusive of VAT).
Late Payment: AED 3,150 (completed property) or AED 21,000 (self-construction)

Business Vehicle & Equipment Loan

Interest Rate: Competitive market rates (indicative 6.00%–8.50% p.a.).
Down Payment: 0%*; up to 100% financing including insurance.
Processing Fee:05% of loan amount (inclusive of VAT).
Early Repayment: As per bank policy.

POS Receivables Loan & Merchant Loan

Interest: Flat or reducing balance at 8.00%–12.00% p.a.
Processing Fee:10% of loan amount; Loan Against Gold rate at 1.05%.
Early Settlement:05% of outstanding.
Late Payment: 2% p.a. on overdue (min AED 50; max AED 200).

All charges exclude VAT unless specified.

Eligibility Criteria

Business Tenure: Minimum 1 year of UAE operation (2 years for property loan).
Annual Turnover: ≥ AED 1 million for Small Business Loan; varies for others.
Relationship: ≥ 6 months with Emirates NBD, maintaining minimum balance AED 20 000.
Credit Profile: Clean corporate and principal credit history.
Sector: Trading, manufacturing, services, contracting, hospitality, logistics.

Documents Required

Completed Emirates NBD Business Loan application form.
Valid Trade License and Commercial Registration.
Memorandum & Articles of Association; board resolution (for corporates).
Audited financial statements (last 1–2 years for loans > AED 500 000).
Six months’ business bank statements.
Emirates ID, passport, UAE visa copies of signatories.
Property Title Deed (Office Loan); asset documents (Vehicle/Equipment).
Fixed Deposit certificate (Semi-Secured).
POS/Merchant agreement (POS & Merchant Loans).

Additional Info

Predictable Installments: Fixed rates for budgeting certainty on SME and Office Loans.
Unsecured Options: Small Business and POS loans require no collateral up to AED 300 000 and AED 1 million respectively.
High-Value Asset Financing: Vehicle & Equipment Loans up to AED 10 million and Office Loans up to AED 15 million.
Fast Turnaround: Credit decisions within 48 hours for SME and POS facilities.
Flexible Structures: Mix of fixed intro-periods and variable tenors (Office Loan).
Digital Servicing: End-to-end application, drawdown, and repayment via businessONLINE and mobile app.
Dedicated Relationship Management: Personalized advisory, post-disbursement support, and trade-finance expertise.